The New Year may be the happiest day for children, because they can receive lucky money. It is understood that during the Chinese New Year, many children become the "richest man" in the family in the shortest time. In order to make rational use of this "huge sum", some parents and friends consulted the financial planner. They said: There are actually many ways for children to manage their money with lucky money, but the most popular one is to buy children's insurance with lucky money, such as dividend insurance. This method can not only make better use of lucky money, but also enable children to establish a better concept of financial management from an early age. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

It is very good to buy insurance for children with lucky money.

Risks always exist, even for children. By buying insurance, children's risk awareness can be cultivated, and at the same time, lucky money can be accumulated by installment payment (once a year). Children's lucky money is not suitable for high-risk investment, but should pay more attention to long-term, safety and stability. In view of this, it is a better choice to manage money with children's lucky money and buy insurance.

Faced with a large sum of lucky money, the following two cases may help parents and friends better teach their children some financial knowledge.

Case 1: 6000 yuan lucky money savings is the best policy.

Lily is 14 years old, in the second grade of junior high school. During the Spring Festival, she paid a New Year call and got more than 6,000 yuan in lucky money.

Financial planning: This 6000 yuan lucky money, you can choose savings as the first choice for investment, and you can also enjoy the interest of lump sum deposit. In addition, you can also let your child buy some money market funds, so that she can have a general concept of the financial market from an early age. Because the income of these two products is relatively stable and there is basically no big risk, it is a good choice to invest with children's lucky money.

Case 2: 15000 yuan lucky money investment insurance is very good.

Xiaojun, who is only 3 years old this year, received relatives 1000 yuan only during the Spring Festival. Xiaojun's parents want to leave the money for their children to go to school later, but they don't know what to do with it.

Financial planning: At present, there are three ways to manage lucky money: deposit in the bank, buy funds and buy insurance. In view of the large amount of funds for small customers, regular savings are not considered for the time being, and fixed investment is preferred. Buying stock funds at a monthly price of 65,438+0,000 yuan is most suitable for long-term investment, because the long-term income will be relatively stable and a large amount of education funds can be accumulated. How to buy critical illness insurance? I just sorted out the relevant contents about the selection period or life, hoping to help you: the period of critical illness insurance VS life, how to choose?

Buying insurance is a good choice, which can give consideration to both security and financial management, and can provide certain protection for children's health, further education, employment and old-age care. Children's insurance is divided into two categories: protection and education. It has triple functions of saving, insurance and investment, and can prepare for studying, starting a business and even getting married. Interested friends can pay attention to China Merchants Cigna Children's Education Gold Insurance.

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